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Is Fernandina Beach, FL a Good Place to Live?
Fernandina Beach is a small city of 13,028 in Florida, with a median household income of $86,494 and a 2.9% unemployment rate. Its cost of living index is 99 (US average = 100), which is 1% below the national average.
Strengths: Fernandina Beach stands out for solid school ratings (A-), a well-educated population, short average commutes.
Trade-offs: Potential downsides include high home prices. Whether Fernandina Beach is right for you depends on your priorities — the full breakdown is below.
All Fernandina Beach city data on this page comes from official government sources — the US Census Bureau, FBI, NCES, BEA, and NOAA — updated annually.
Cost of Living
Index: 99.2Fernandina Beach's overall cost of living index is 99.2, where 100 represents the US national average. Living in Fernandina Beach costs roughly 1% less than the average American city.
| Metric | Fernandina Beach, FL | National Avg |
|---|---|---|
| Median Home Value | $426,100 | $244,900 |
| Median Monthly Rent | $1,299 | $1,163 |
| Homeownership Rate | 82.1% | 65.9% |
| Median Household Income | $86,494 | $74,755 |
Crime & Safety
Crime data for Fernandina Beach is not currently available from the FBI's Uniform Crime Reporting program. Not all local agencies report to the UCR each year.
Schools & Education
Fernandina Beach is served primarily by NASSAU. The student-to-teacher ratio is 15.5:1 (better than the national average of ~16:1).
| Metric | Fernandina Beach, FL | National Avg |
|---|---|---|
| School District | NASSAU | — |
| Elementary Schools | 9 | — |
| Middle Schools | 3 | — |
| High Schools | 7 | — |
| Student/Teacher Ratio | 15.5:1 | 16:1 |
| Bachelor's Degree or Higher | 48.9% | 35.4% |
| High School Diploma or Higher | 96.4% | 91.1% |
Weather & Climate
Fernandina Beach sees average highs of 64.3°F in January and 90.7°F in July, with 49.9 inches of annual precipitation .
| Metric | Fernandina Beach, FL |
|---|---|
| Average High — January | 64.3°F |
| Average High — July | 90.7°F |
| Annual Precipitation | 49.9" |
| Annual Snowfall | Trace / None |
Demographics
| Metric | Fernandina Beach, FL | National Avg |
|---|---|---|
| Population | 13,028 | — |
| Median Age | 57.6 | 38.9 |
| Unemployment Rate | 2.9% | 3.7% |
| Avg Commute Time | 22.9 min | 26 min |
| White (non-Hispanic) | 83.5% | 59.3% |
| Black or African American | 9.9% | 13.6% |
| Hispanic or Latino | 4.5% | 18.9% |
| Asian | 1.3% | 6.3% |
| Under 18 | 11.7% | 22.2% |
| 65 and over | 36.3% | 16.8% |
Nearby Cities
ZIP Codes in Fernandina Beach
Fernandina Beach, FL is covered by 1 ZIP code: